DSCR Loans in Oklahoma
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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Dominick Prevete arranges DSCR loans across Oklahoma, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.125% (October 2026), and most close in 14 days. In 2025 HMDA data, 418 lenders made 10,662 investment-property loans in Oklahoma; the most active are in the table below.
Oklahoma investor market at a glance
| Statistic | Oklahoma | 26 states | State rank |
|---|---|---|---|
| Investor loans | 10,662 | 461,927 | 17th of 26 |
| Reporting lenders | 418 | 3,509 | 20th of 26 |
| Loan volume | $1.93B | $163.80B | 24th of 26 |
| Average loan | $181K | $355K | 24th of 26 |
| Median loan | $145K | — | 20th of 26 |
| Purchases | 62.5% | 58.8% | 4th of 26 |
| Cash-out refinances | 8.7% | 19.8% | 25th of 26 |
| 2–4 unit properties | 13.2% | 16.5% | 14th of 26 |
| Top five lenders' share | 21.4% | 22.1% | 14th of 26 |
| Reported business-purpose | 63.5% | 72.6% | 25th of 26 |
Oklahoma: closed-end loans on 1–4 unit investment properties. Rank is highest first among the 26 states with published data. The 26-state figures are totals for loans and volume, distinct filers for lenders, and loan-weighted averages for every share; a median does not combine across states.
What stands out in Oklahoma
The average investor loan in Oklahoma was $181K, the third-lowest average of the 26 states with published data (26-state figure: $355K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
62.5% of Oklahoma's investor loans were purchases, ranking 4th highest of the 26 states with published data (26-state figure: 58.8%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
Who are the DSCR and investment-property lenders in Oklahoma?
The most active investment-property lenders in Oklahoma in 2025 HMDA data were BancFirst, First United Bank and Trust Company and Arvest Bank, out of 418 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including several that reported in Oklahoma, and matches each file to the one most likely to fund it.
Every year, lenders report their originations under the Home Mortgage Disclosure Act. We filtered Oklahoma's 2025 filings to closed-end loans on 1–4 unit investment properties: 10,662 loans totaling $1.93B across 418 lenders. These were the most active.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| BancFirst | 1,029 | $146.7M | $143K | 60.5% |
| First United Bank and Trust Company | 442 | $79.4M | $180K | 68.6% |
| Arvest Bank | 334 | $52.0M | $156K | 64.4% |
| Armstrong Bank | 241 | $40.3M | $167K | 66.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 234 | $38.3M | $164K | 62.4% |
| LEI:5493004T38NMC864VL66 | 194 | $29.0M | $149K | 0.0% |
| LEI:254900CTT87ZKAUTIJ37 | 190 | $29.3M | $154K | 55.8% |
| Kiavi Funding, Inc. | 188 | $32.9M | $175K | 70.7% |
| FIRST SECURITY BANK AND TRUST COMPANY | 172 | $32.0M | $186K | 81.4% |
| Sovereign Bank | 156 | $27.6M | $177K | 50.6% |
| Great Plains National Bank | 151 | $25.1M | $166K | 66.2% |
| BPL MORTGAGE TRUST, LLC | 146 | $18.3M | $125K | 20.5% |
| Rocket Mortgage, LLC | 145 | $25.2M | $174K | 42.1% |
| First National Bank Of Oklahoma | 141 | $22.7M | $161K | 53.2% |
| Firstar Bank | 139 | $21.4M | $154K | 66.2% |
| Equity Bank | 123 | $20.1M | $163K | 46.3% |
| MidFirst Bank | 116 | $25.7M | $221K | 67.2% |
| ASSOCIATED MORTGAGE CORPORATION | 116 | $18.2M | $157K | 82.8% |
| Stride Bank, National Association | 115 | $27.8M | $242K | 86.1% |
| Sooner State Bank | 107 | $18.5M | $173K | 66.4% |
| PANORAMA MORTGAGE GROUP, LLC | 106 | $13.1M | $123K | 100.0% |
| The Central Trust Bank | 105 | $20.7M | $197K | 69.5% |
| LEI:254900467HCJ72XZNJ32 | 101 | $19.4M | $192K | 93.1% |
| Bank 7 | 100 | $21.7M | $217K | 78.0% |
| Liberty National Bank | 99 | $14.7M | $149K | 74.7% |
Source: 2025 HMDA loan-level data (CFPB/FFIEC Data Browser), retrieved October 31, 2026. Updated annually. See how this data is built or download the full dataset (CSV) — all 418 reporting lenders with every underlying figure. Researching the market rather than financing a property? The Oklahoma lending data page covers this table on its own.
What this table can't show you: fit. HMDA exempts short-term financing, so fix-and-flip and bridge lenders barely appear here — and no federal dataset knows which lender's guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Oklahoma deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Oklahoma property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Oklahoma's at-a-glance figures, its rank among the 26 states, its observations and the Quick Read's 418 lenders and 10,662 loans: 2025 HMDA loan-level data.
- Oklahoma investor-lender dataset (CSV) — Every Oklahoma lender behind the table above, with volume, average loan and purchase share for each.
- Oklahoma investor lending data, Dominick Prevete — The Oklahoma table on its own, with the state's concentration figures and the method behind them.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.125%, as of October 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.